Health care now has significant price transparency, although there are still some major gaps and it can be challenging to shop for the best option. Many consumers are still unaware of the tools available.
Your missing the point. No one expects consumers to download the MRFs. Humana plan members can just log in to their web portal to search for the treatment they need and see prices across all the local network providers.
https://www.dolthub.com/blog/2023-03-23-illusion-of-transpar...
> Humana published their MRFs across 11,000,000 different files, then rate-limited how fast you could download them
HN discussion: https://news.ycombinator.com/item?id=35347647